re: Budgetary allocation: Retirement vs Debt

quote:

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If you are already crushing the minimum payments on your loans, I say go for the Roth. I'm assuming the chances of you exceeding the income limit well before retirement are reasonable (so you only have so much time to take advantage), and tax-free compounding interest is huge.

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This is a valid point.

Is it possible to lower your interest cost on the student loan somehow by taking on some lower-cost debt and paying off the loan that way? 9.5% is pretty high after all and should be aggressively addressed.